PricewaterhouseCoopers

When AT&T switched his health plan several years back, project manager Dave Eis says he found himself with only one option — a high-deductible plan. Today, he sees it as a good thing. "Cost-wise I didn't perceive it as negative, because it lowered my premiums. My monthly premiums probably went at the time from $250 down to $60 per month," he says. His family insurance policy comes with a deductible of more than $2,600, allowing Eis, 55, to open a health savings account. He uses it to sock away extra money to cover out-of-pocket medical expenses, and has put aside a nice sum. "I try to avoid tapping into it, and I've been able to max out the savings,"...

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My aunt is in a nursing home. They tell us she isn't allowed to leave unless she gets the doctor's permission. If she does, she has to sign a statement saying she doesn't hold them liable and will lose all her healthcare coverage. She is on Medicare....

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